The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$20,686
−HK$1,297/mo
▼ 0.25% · 3.875%
HK$21,329
−HK$654/mo
Today · 4.125%
HK$21,983
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,338/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$43,966/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$626/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,535
+HK$1,279/mo
Deposit HK$4.54M · loan HK$4.54M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$4.81M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,557/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$785/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,985
+HK$1,605/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,615
−HK$1,492/mo
▼ 0.25% · 3.875%
HK$28,356
−HK$751/mo
Today · 4.125%
HK$29,107
baseline
▲ 0.50% · 4.625%
HK$30,642
+HK$1,535/mo
Deposit HK$3.63M · loan HK$5.44M · min. income ≈ HK$58,214/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,960
−HK$1,816/mo
▼ 0.25% · 3.875%
HK$29,861
−HK$915/mo
Today · 4.125%
HK$30,776
baseline
▲ 0.50% · 4.625%
HK$32,649
+HK$1,873/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$61,552/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,218
−HK$1,740/mo
▼ 0.25% · 3.875%
HK$33,082
−HK$876/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$35,748
+HK$1,790/mo
Deposit HK$2.72M · loan HK$6.35M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$3.00M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,234
−HK$2,335/mo
▼ 0.25% · 3.875%
HK$38,393
−HK$1,176/mo
Today · 4.125%
HK$39,569
baseline
▲ 0.50% · 4.625%
HK$41,977
+HK$2,408/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$79,138/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,423
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,127/mo
Today · 4.125%
HK$43,661
baseline
▲ 0.50% · 4.625%
HK$45,962
+HK$2,301/mo
Deposit HK$907K · loan HK$8.16M · min. income ≈ HK$87,322/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$277,169 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).